Wells Fargo Active Cash vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Active Cash wins 4-2. No-fee 2% flat — competitive with Citi Double Cash. Citi Strata Premier is still the right call if replaces premier — solid mid-tier travel with hotel-direct boost..
Side-by-side
| Criterion | Wells Fargo Active Cash | Citi Strata Premier |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 10% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Wells Fargo Active Cash vs Citi Strata Premier: which is better?
Wells Fargo Active Cash wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Active Cash for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Active Cash: $200 cashback after $500 in first 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.